Information We Collect

When you use ilovarqine to manage your financial records, we collect several types of information. Some you give us directly, some we gather automatically, and some comes from how you interact with our platform.

Personal Information You Provide

When you create an account or use our services, you share:

• Full name and contact details (email address, phone number)
• Residential or business address
• Date of birth and identification documents as required by Australian financial regulations
• Tax File Number when necessary for compliance purposes
• Banking details and payment information
• Business registration numbers if you're using our commercial services

Financial Data

The core of what we do involves your financial records. This includes transaction histories, account balances, income and expense documentation, invoices, receipts, and any supporting documents you upload. We also maintain records of your financial goals and budget parameters you've set within the platform.

Usage Information

Our systems automatically log how you interact with ilovarqine. We track login times, which features you use most, device information including IP addresses, browser types, and operating systems. We also monitor page views, navigation patterns, and the time you spend on different sections of the platform.

How We Use Your Information

Every piece of data we collect serves a specific purpose. We don't gather information "just in case" – there's always a reason tied to improving your experience or meeting legal requirements.

Service Delivery and Operations

Your information enables us to maintain your account, process transactions, generate financial reports, and provide the core functionality you signed up for. We use your data to calculate tax obligations, track expenses against budgets, and send notifications about account activity.

Platform Improvements

Aggregated usage patterns help us understand which features work well and which need refinement. We analyze how people navigate the platform to identify friction points. This insight drives our development priorities, though we always work with anonymized data for these analyses.

Security and Fraud Prevention

We monitor account access patterns to detect suspicious activity. Unusual login locations, rapid transaction changes, or access attempts from unfamiliar devices trigger security protocols. This monitoring protects both your account and our broader user community.

Legal Compliance

Australian financial regulations require us to maintain certain records and report specific types of transactions. We use your information to fulfill these obligations under the Australian Securities and Investments Commission guidelines, Anti-Money Laundering laws, and taxation reporting requirements.

Data Sharing and Third-Party Access

We limit data sharing to essential partners who help us deliver services. Nobody gets access to your information unless there's a legitimate operational or legal reason.

Service Providers

Cloud infrastructure providers host our servers and store encrypted backups. Payment processors handle transactions when you make payments through our platform. These partners operate under strict contractual obligations that mirror our own privacy commitments.

Legal Requirements

We disclose information when legally required – court orders, regulatory audits, or law enforcement requests with proper documentation. Before complying with any request, we verify its legitimacy and scope. Where permitted by law, we'll notify you about these requests.

Business Transitions

If ilovarqine merges with another company or sells assets, your information might transfer as part of that transaction. You'd receive advance notice with options to download your data before any transfer occurs.

Data Protection and Security Measures

Financial data requires serious protection. We've built multiple security layers into our infrastructure, though no system can guarantee absolute security.

Encryption Standards

All data transmits over TLS 1.3 or higher encryption. Stored data uses AES-256 encryption. Database access requires multi-factor authentication, and our encryption keys rotate regularly according to industry best practices.

Access Controls

Only authorized personnel can access user data, and even then, access is role-based and logged. Our team members see only the minimum information necessary to resolve support issues or maintain systems. Every access instance generates an audit trail we review regularly.

Infrastructure Security

Our servers sit behind firewalls with intrusion detection systems. We conduct quarterly security audits and penetration testing. Software updates deploy promptly, particularly security patches. Daily encrypted backups store in geographically separate locations.

Account Security Features

You can enable two-factor authentication, which we strongly recommend. Session timeouts protect accounts left open on shared computers. We alert you to logins from new devices or unusual locations. Password requirements enforce strong credentials, and we never store passwords in readable format.

Your Rights Under Australian Privacy Law

The Australian Privacy Act gives you specific rights regarding your personal information. We've designed processes to make exercising these rights straightforward.

Right to Access

You can request a complete copy of all personal information we hold about you. We'll provide this in a structured, commonly used format within 30 days. Most account information is already accessible through your dashboard settings.

Right to Correction

Found outdated or incorrect information? You can update most details directly through your account settings. For changes requiring verification (like tax file numbers), contact our support team. We'll process correction requests within 15 business days.

Right to Deletion

You can request account deletion at any time. We'll remove your personal information within 60 days, though we must retain certain financial records for seven years to comply with Australian taxation law. After this retention period, we permanently delete everything.

Right to Data Portability

Export your financial records in CSV or JSON format anytime through the account dashboard. This allows you to move your data to another service provider if you choose. Exports include all transaction data, reports, and uploaded documents.

Right to Object

You can opt out of non-essential data processing, including marketing communications and certain analytics. Essential processing for service delivery and legal compliance continues regardless, but you control everything beyond these necessities.

Cookies and Tracking Technologies

Like most web platforms, we use cookies and similar technologies. These small data files help the platform function properly and remember your preferences.

Essential Cookies

These keep you logged in, remember your session, and maintain security tokens. Without them, the platform wouldn't function. They expire when you close your browser or log out.

Functional Cookies

These remember your preferences – dashboard layout, default date ranges, and notification settings. They make your experience smoother by saving choices you've already made.

Analytics Cookies

We use these to understand how people use the platform. They track which features get used most, where people encounter difficulties, and how long typical sessions last. This data is anonymized and aggregated.

Managing Cookies

Your browser settings control cookie acceptance. Blocking essential cookies will prevent platform use, but you can disable functional and analytics cookies without losing core functionality. Check your browser's help section for specific instructions.

Data Retention Periods

We don't keep information longer than necessary. Different data types have different retention requirements, mostly driven by Australian financial regulations.

Active Account Data

While your account remains active, we maintain all financial records, transaction histories, and account information. This enables you to access historical data for tax purposes and financial planning.

Closed Account Data

After account closure, we retain financial records for seven years as required by Australian taxation law. Personal identifying information beyond what's legally required gets deleted within 60 days of closure.

Backup Systems

Deleted data persists in backup systems for up to 90 days before permanent removal. This protects against accidental deletion and system failures. After 90 days, backups are overwritten and data becomes unrecoverable.

Marketing and Communication Data

If you've opted into marketing communications, we keep this preference data until you unsubscribe. After unsubscribing, we maintain a record of your opt-out to ensure we don't contact you again.

International Data Transfers

ilovarqine primarily operates within Australia, but some service providers maintain infrastructure overseas. When data leaves Australia, we ensure it receives equivalent protection.

Data Location

Primary data storage remains in Australian data centers located in Sydney and Melbourne. Backup systems replicate to Singapore for disaster recovery purposes. Cloud infrastructure providers may process data in other jurisdictions during routine operations.

Transfer Safeguards

International transfers occur only with service providers who comply with Australian privacy standards or equivalent frameworks. Contractual agreements require these providers to maintain security standards matching Australian requirements.

Your Control

If you prefer to keep all data within Australian borders, contact our support team. We can configure your account to restrict international transfers where technically feasible, though this may limit some functionality.

Children's Privacy

ilovarqine isn't designed for users under 18. We don't knowingly collect information from minors. If you believe a minor has created an account, contact us immediately so we can delete the information.

Parents or guardians managing financial records for dependents should create accounts in their own name. The account holder must be of legal age to enter into financial service agreements under Australian law.

Changes to This Privacy Policy

We update this policy occasionally to reflect new features, legal requirements, or operational changes. Material changes get announced through email and prominent dashboard notifications at least 30 days before taking effect.

Minor updates (like clarifying existing practices) appear immediately with a revised "Last Updated" date. We maintain an archive of previous versions available upon request, so you can track how our practices evolve.

Continuing to use ilovarqine after policy updates indicates acceptance. If you disagree with changes, you can close your account and request data deletion before the new policy takes effect.

Complaints and Dispute Resolution

If you're concerned about how we've handled your information, we want to hear from you. Most issues resolve quickly through direct communication.

Internal Process

Submit complaints to support@ilovarqine.pro with "Privacy Complaint" in the subject line. We'll acknowledge receipt within 48 hours and investigate thoroughly. You'll receive a detailed response within 30 days explaining our findings and any corrective actions.

External Options

If our response doesn't satisfy you, lodge a complaint with the Office of the Australian Information Commissioner. They provide free investigation services for privacy complaints. Contact them at oaic.gov.au or 1300 363 992.